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Independent insurance adjusters have many roles when handling property and casualty (P&C) claims.

Retained by insurance carriers to inspect the risk and appraise the damage, adjusters may interview witnesses and coordinate with government agencies, experts, and other contractors hired by the insured to repair the damage. These other sources provide vital information to the independent adjuster, who may then glean additional estimating insight, depending on the nature and scope of the damage. 

For property claims, the independent adjuster surveys the damage, scopes the loss, analyzes the cause of loss, and takes photographs and measurements. The adjuster also calculates co-insurance compliance and provides a recommendation to the carrier that ultimately determines coverage. 

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